ABSA Bank Limited, Reg No 1986/004794/06

Home Loan Application CSA Ref

Please complete in BLOCK LETTERS and tick (√) the applicable box. Complete separate addendum for each additional party to this application form.
Surety to complete a separate application form.

SECTION A – PURPOSE OF APPLICATION

Purchase an existing home Build a new home Transfer loan from another institution: Ordinary Building

Increase existing loan (for building improvement) Increase existing loan (Ordinary)

SECTION B – IN WHOSE NAME WILL THE PROPERTY BE REGISTERED? * ALL SECONDARY APPLICANTS MUST COMPLETE AN ADDENDUM FORM
Individual *Your own and spouse More than 2 partners *CC *Trust *Company Association (including church) Clubs

In whose name will the property be registered?

VAT Registration no Type of business

Is the Company/Trust/CC registered? YES NO Registration no Trading YES NO

SECTION C – PERSONAL DETAILS OF MAIN PARTICIPANT/DIRECTOR/MEMBER/TRUSTEE/PARTNER
Title Surname

Full names (as per ID)

Date of birth D D M M C C Y Y Gender Male Female ID Type ID book Passport If passport, country issued

ID/Passport no Nationality SA Other (specify)

Complete if temporary resident Temporary resident permit no Permit expiry date

Country of permanent residence SA Resident? YES NO

Married ANC with accrual ANC without accrual COP Customary Law Single Divorced Separated Widowed Other (specify)

Residential status Owner Tenant Boarder Do you receive a Social Grant? YES NO

Present
Present postal residential/
address business street
address
Postcode Postcode

Telephone (H) ( ) E-mail address

Telephone (W) ( ) Fax (W) ( )

Cell Current address since D D M M C C Y Y

Have you ever applied for debt counselling in terms of the National Credit Act, 2005? YES NO
If YES, contact name of the debt counsellor Contact details of the debt counsellor

Has a debt re-arrangment order ever been issued in terms of the National Credit Act, 2005? YES NO
Have you ever been insolvent or placed under administration order? YES NO If Yes, state date of rehabilitation D D M M C C Y Y
Home language English Afrikaans Tswana Zulu North Sotho South Sotho Xhosa Venda Ndebele Tsonga Swazi Other (specify)

In which language do you prefer your correspondence? English Afrikaans Preferred communication channel SMS Mail E-mail Telephone

Post-Matric Qualification YES NO If YES, select 01 Certificate 24 months 02 Diploma 1 year 03 Diploma 2 years 04 Diploma 3 years

05 Degree 3 & 3 + years 06 Post-Graduate Diploma 12 years 07 Honours 08 Masters 09 Doctorate 10 None of the above

SECTION C1 – EMPLOYMENT DETAILS

Full-time employed Self-employed Home Executive Student Unemployed
Employment status
Pensioner/Retired Part-time employed Temporary employed

Agriculture Catering and Entertainment Civil Service Construction Education Finance Health

Employment sector Industrial Legal Profession Media Nature Resource Armed Forces Science/Computing

Security Selling Transportation Welfare Other (specify)

Salary Pension Investments Proceeds from policy Proceeds from Retirement annuity Donation/Gift
Source of income
Inheritance Social Grant Other (please specify) Income tax no

534420 (ABSA 1728 EX) (NCA) Authorised Financial Services Provider. Registered Credit Provider, Reg No NCRCP7 ABSA (05/2007)
SECTION C1 – EMPLOYMENT DETAILS (continued)
Name and address of present employer/own business

Postcode

Present occupation Present employment/own business since D D M M C C Y Y

Do you belong to a Housing scheme? YES NO Employee no (Absa employees only)

SECTION C2 – FINANCIAL DETAILS

Will an existing home loan be cancelled? YES NO
Do you have a non-Absa cheque account? YES NO Name of institution

A PERSONAL INCOME

Income items Self

Gross monthly salary/income R

Other (specify) (commission/overtime/maintenance – average

R
over 3 months)

TOTAL GROSS INCOME(S) R

B PERSONAL EXPENSES

Payslip items Self

Income tax (Eg: monthly tax deduction/monthly

R
provisional tax payment)

Unemployment Insurance Fund R

Pension R

Medical Aid R

Other (specify) R

TOTAL OF ALL PAYSLIP ITEMS R

Sundry monthly expense items Self

Household expenses (Groceries, Rate and Taxes account, Utility/Water

and Lights and continuous service, Domestic Worker wage/Garden R
Service, Telephone account/Cellphone account)

Educational fees (School fees, Educational Loan repayments, School Loans) R

Transport/Petrol costs (excluding vehicle finance repayment stated as

R
fixed debt)

Insurance and Funeral Policies R

Other (specify) R

TOTAL MONTHLY SUNDRY EXPENSES R

Fixed debt repayment items Self

Home loan/rental repayment R

Overdraft limit/Term loan/Credit line repayment R

Credit card payment/Retail accounts R

Asset finance/Lease/Rent-to-buy repayment R

Other debt repayment (specify) R

Home loan repayment/Rent to be cancelled R

TOTAL OF ALL FIXED DEBT REPAYMENTS R

 SECTION D – PRODUCT DETAILS
Amount of loan/further loan
Cash deposit
Employer guarantee
Bond amount to be registered
R Amount of costs to be financed R
R Government subsidy (once-off) R
R Personal guarantee R
R Term of loan years

Preferred interest rate option Variable Fixed Term of fixed rate months

Convenient instalment repayment day Are you a first time home owner? YES NO
Which account must be debited with the further loan amount?

Building loans only: improvements/contract price R

Name of contractor Telephone Cell

R a MultiPlan account?
Do you require YES NO If YES, complete MultiPlan Application form and attach

SECTION E – DETAILS OF PROPERTY

Property type House Sectional Title Unit Vacant land Residential/Small Holding

Street name and number

Suburb City Township

Erf number Portion no

Property to be occupied by Self Tenants Unoccupied Not applicable Complex name

Flat number Unit number Market value R Purchase price R

Transferring Attorney’s name Telephone no

If a bond amount to be registerd, where do you want to sign your legal documents Province Suburb

SECTION E1 – VALUATION ARRANGEMENTS (WHO MAY THE VALUER CONTACT TO ARRANGE FOR A PROPERTY VALUATION FOR SECURITY PURPOSES?)
Contact name Telephone ( ) Cell

Alternative contact details

SECTION E2 – TELKOM
As an additional service, may we provide Telkom with a name, address and contact number of a person to contact regarding Telkom service on approval of
this home loan application. Do understand that provision of telecommunication services is not hereby guaranteed but will be subject to the normal
availability of services by Telkom. YES NO
Contact name Contact number

SECTION F – *FLEXIRESERVE FACILITY

I/We require the ability to draw available funds from my/our Home Loan and am/are aware that any withdrawals may increase my/our repayments, as the repayment is calculated
over the remaining term.
Please select the preferred option:

Advance payments only (payments made over and above the required repayments)

Difference between the outstanding loan balance and the approved loan amount

No, I/We do not want access to the available funds.

*Certain employer agreements exclude this feature.

SECTION G – DECLARATION
Absa Bank Ltd (‘Absa’) is committed to complying with national and international law,
rules and regulations and policies regarding the combating of criminal activities, money
laundering and terrorist financing. All applications and all information concerning the
customer are therefore subject to verification, processing and screening and Absa may
be obliged to decline certain applications. In addition, upon the acceptance of an
application, all information, instructions and transactions for and on behalf of the
customer will be subject to continuous screening which may prohibit, limit or delay the
execution thereof and which may oblige Absa to terminate its relationship with the
customer. To the extent permissible, Absa shall advise the customer of any prohibitions
or limitations on such applications, instructions or transactions. Absa, or its respective
affiliates, employees, officers and directors, shall not be liable for any special, punitive,
indirect, or consequential losses or damages, including, without limitation, loss of
profits or any anticipated savings.
The lender is required to request this information to assist the Government in monitoring
lending practices in terms of the Home Loan and Mortgage Disclosure Act, 2000.
I/We acknowledge that the information supplied by me/us shall constitute the basis on
which my/our application is to be considered and that all such information is of material
importance and directly relevant to the consideration of my/our application.
I/We warrant that all the information I/we supplied is to the best of my/our knowledge
and belief true and correct in all material respects and I/we am not aware of any other
information which, should it become known to the Bank, would affect the consideration
of my/our application in any way.
I/We agree that the Bank may make inquiries to confirm any information provided by
me/us and that the Bank may obtain information from any credit bureau when
assessing my/our application or at any time during the existence of my/our account.
The Bank may disclose the existence of my/our account to any credit bureau, sharing
positive and negative information about my/our account.
I/We agree that the Bank may pass my/our confidential information, where necessary,
to specific service providers that deliver services related to this credit agreement.
I/We acknowledge that I/we shall be liable for any fees and wasted costs incurred by the Bank and attorney(s) in the event of me/us withdrawing from the loan granted.
The purchase price is solely for the purchase of the fixed property and includes none of the following costs:
* Amounts to be repaid to me by the seller or the estate agent or to be paid on my behalf by either of these parties.
* Cost of movables/furnishings.
* Legal transfer or bond registration costs.
* Deposit or contribution thereof.
* Any other amounts.

Creditworthiness information
Absa is occasionally approached by credit providers or third parties who are attempting to evaluate your creditworthiness when you apply for credit or wish to enter into a credit
agreement with such a party. We can’t give them this information without your permission to do so.
I/We give Absa permission to provide information relating to my credit score or creditworthiness to third parties who may request this information.

I/We do not give Absa permission to provide information relating to my credit score or creditworthiness to any third parties who may request this information.

Customer Communications and Consent

The Absa Group diligently guards all personal and financial information relating to our customers. Your dealings with us are held in the strictest confidence and your privacy as an
Absa customer is one of our highest priorities. At Absa, we do not sell or distribute any of our customer lists to third parties, unless we are required to do so by law.
In keeping with this commitment, we need your consent to send you information on the Absa Group’s range of products and services as well as any special promotions from us,
or promotions on behalf of other carefully selected parties, which we believe would add value to your finances or lifestyle. We might also contact you to conduct research in order
for us to improve our products and services to you.
If you would like us to communicate with you in this regard from time to time, please complete the form below:
Absa Marketing Consent
I/We do want the Absa Group to utilise my/our confidential information within the Group and to communicate with me/us from time to time regarding products,
services, research and special offers that they believe will be of interest.
I am / we are happy to receive such communication via the following communication methods (Please tick whichever apply):
Post Telephone SMS E-mail
I/We do not want to receive any communication from the Absa Group on products, services or special offers and understand that this means that I/we will not be kept
informed of products and services that may be of value to me/us. I/We will therefore not hold the Absa Group liable for any opportunities I/we may miss as a result of
this decision.

Date _________________________________________________ Signature (Applicant) ________________________________________

OFFICE USE ONLY

CODE FOR NAME OF

Originator Originator

Estate Agency Estate Agency

Estate Agent Bond Estate Agent

originator/Broker/
Broker Estate agent’s Broker
stamp
Tel ( )

Cell

Name and employee no of Absa Official Campaign ID